I was in an auto accident. The insured admitted fault to their insurance company. I accepted a settlement for my kids who had minor injuries, however I broke my little finger and opted not to have surgery per the doctors recommendations (including a specialist).
The accident was 5 months ago and I still have a splint and it’s still in a lot of pain. The insurance company wants to settle. I will have pain in this finger for the rest of my life (per doctors) due to the way it was broken. I do not want surgery and I type for a living and my finger is still in a lot of pain.
I know the insurance company is going to come back with a low amount, but I think because of my job, pain and the suffering I am going to have (and I will not be able to do the things I use to) I would ask for a large amount over 200k.
I do not know what the value would be but even 200k is low to me for what I will have to deal with for the rest of my life. Any advice?
Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.
Settlement amounts are based upon medical expenses, therefore, unless your medical bills are in the range of $65,000 to $70,000, you might be disappointed to seek $200,000 as a settlement figure.
In order to be realistic, you must take a look at your medical expenses and multiply that figure by 2.5 – 3 times.
This is a comfortable baseline settlement figure to begin with.
I would not suggest surgery unless you actually need it. Surgery is expensive, however and it would serve to increase your medical expenses which would ultimately raise the settlement offer.
Learn more here: Permanent Injury Compensation
The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney.
Best of luck with your claim,
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